Home Mortgage Disclosure Act Aggregated Statistics

2034 Loans originated: 150 FHA, FSA/RHS & VA Loans for an average of $142,927, 594 Conventional for an average of $105,657, 1057 Refinancings for an average of $121,782, 89 Home Improvement Loans for an average of $67,596, 2 Dwellings For 5+ Families for an average of $1,066,000, 141 Non-occupant Loans on < 5 Family Dwellings for an average of $96,709, 1 Loan On Manufactured Home Dwelling for $60,000

291 Approved applications - not accepted: 10 FHA, FSA/RHS & VA Home Purchase Loans for an average of $140,700, 52 Conventional for an average of $110,750, 179 Refinancings for an average of $109,263, 25 Home Improvement for an average of $41,560, 25 Non-occupant Loans on < 5 Family Dwellings for an average of $71,680

837 Denied applications: 8 FHA, FSA/RHS & VA for an average of $180,500, 121 Conventional for an average of $113,231, 564 Refinancings for an average of $128,908, 85 Home Improvement for an average of $65,788, 55 Non-occupant Loans on < 5 Family Dwellings for an average of $111,073, 4 Loans On Manufactured Home Dwelling for an average of $63,500

535 Withdrawn loans: 13 FHA, FSA/RHS & VA Home Purchase Loans for an average of $132,308, 81 Conventional Home Purchase Loans for an average of $130,790, 402 Refinancings for an average of $128,226, 19 Home Improvement for an average of $119,789, 20 Non-occupant Loans on < 5 Family Dwellings for an average of $114,300

122 Files closed for incompleteness: 1 FHA, FSA/RHS & VA for $236,000, 25 Conventional for an average of $124,360, 85 Refinancings for an average of $128,929, 4 Home Improvement Loans for an average of $29,500, 7 Non-occupant Loans on < 5 Family Dwellings for an average of $124,429

Compared to the state average:

The number of loans originated per 1000 residents (541) is comparable to MD average (567). The average loan value for this tract ($115,421) is significantly below the state average ($193,919).

The number of loans not accepted per 1000 residents (77) is comparable to MD average (72). The average loan value for this tract ($101,564) is significantly below the state average ($168,740).

The number of loans denied per 1000 residents (222) is comparable to MD average (182). The average loan value for this tract ($119,240) is below the state average ($169,904).

The number of loans withdrawn per 1000 residents (142) is comparable to MD average (123). The average loan value for this tract ($127,893) is below the state average ($189,021).

The number of loans closed per 1000 residents (32) is comparable to MD average (28). The average loan value for this tract ($125,352) is significantly below the state average ($201,854).

HMDA - Loans Count

HMDA - Average Loan Value ($)

Private Mortgage Insurance Companies Aggregated Statistics

235 Loans originated: 136 Conventional for an average of $137,235, 79 Refinancings for an average of $154,494, 20 Non-occupant Loans on < 5 Family Dwellings (A & B) for an average of $80,500

35 Approved applications, not accepted: 20 Conventional for an average of $153,000, 12 Refinancings for an average of $172,250, 3 Non-occupant Loans on < 5 Family Dwellings (A & B) for an average of $64,000

14 Applications denied: 5 Conventional for an average of $198,200, 6 Refinancings for an average of $221,333, 3 Non-occupant Loans on < 5 Family Dwellings (A & B) for an average of $182,333

18 Applications withdrawn: 7 Conventional for an average of $143,143, 9 Refinancings for an average of $121,778, 2 Non-occupant Loans on < 5 Family Dwellings (A & B) for an average of $73,000

Refinancing Closed for incompleteness for $258,000

PMIC - Loans Count

PMIC - Average Loan Value ($)

Private Mortgage Insurance Companies Disclosure Statistics

Radian Guaranty:

9 Originated: 3 Conventional Home Purchase Loans for an average of $127,000, 6 Refinancings for an average of $162,333

Genworth Financial:

2 Refinancings Originated for an average of $129,500

Refinancing Approved, not accepted for $144,000

2 Refinancings Denied loans for an average of $246,000

Mortgage Guaranty Insurance:

4 Originated: 2 Conventional Home Purchase Loans for an average of $76,500, 2 Refinancings for an average of $115,500

Conventional Home Purchase Loan Applications approved but not accepted for $52,000

PMI Mortgage Insurance:

7 Loans originated: 2 Conventional Home Purchase Loans for an average of $64,500, 5 Refinancings for an average of $157,400

5 Loans originated: Conventional Home Purchase Loan for $78,000, 4 Refinancings for an average of $99,000

2 Refinancings withdrawn for an average of $90,000

United Guaranty Corporation:

7 Loans originated: 4 Conventional Home Purchase Loans for an average of $96,000, 3 Refinancings for an average of $139,667

Refinancing Withdrawn for $156,000

Triad Guaranty Insurance:

5 Refinancings originated for an average of $81,200

Refinancing Approved, not accepted for $305,000

CMG Mortgage Insurance:

Conventional Home Purchase Loan originated for $29,000

Conventional Home Purchase Loan Approved, not accepted for $172,000

Home Mortgage Disclosure Act Statistics for Southeast Reisterstown, Baltimore County, Tract 4045.02 - Office of the Comptroller of the Currency (OCC)

WACHOVIA BANK NA (NC):

9 Originated: 2 Conventional Home Purchase Loans for an average of $72,000, 5 Refinancings for an average of $74,400, 2 Non-occupant Loans on < 5 Family Dwellings for an average of $72,000

JPMORGAN CHASE BANK (OH):

Refinancing approved but not accepted for $78,000

Home Improvement Loan Denied for $5,000

US BANK, N.A. (OH):

Refinancing Originated for $86,000

FLEET NATIONAL BANK (RI):

Refinancing Originated for $25,000

FIRST TENNESSEE BANK NA (TN):

Refinancing Denied for $130,000

NATIONAL CITY BANK (OH):

Conventional Home Purchase Loan Originated for $11,000

NATIONAL CITY BANK OF INDIANA (IN):

24 Loans originated: 5 FHA, FSA/RHS & VA Loans for an average of $127,600, 12 Conventional for an average of $86,500, 6 Refinancings for an average of $94,667, 1 Non-occupant Loan on < 5 Family Dwelling for $85,000

3 Approved applications but not accepted: 2 Refinancings for an average of $59,000, 1 Home Improvement for $132,000

4 Denied loans: 2 Conventional Home Purchase for an average of $90,000, 2 Refinancings for an average of $105,000

Conventional Home Purchase Loan closed for incompleteness for $141,000

PNC BANK, NA (PA):

Home Improvement Loan denied for $30,000

CITIBANK, N.A. (NV):

3 Refinancings originated for an average of $55,333

2 Refinancings approved - not accepted for an average of $42,000

3 Applications denied: 1 Refinancing for $35,000, 2 Home Improvement Loans for an average of $27,500

Home Improvement Loan Closed for incompleteness for $59,000

WELLS FARGO BANK, NA (SD):

27 Loans originated: 1 FHA, FSA/RHS & VA Home Purchase Loan for $97,000, 11 Conventional for an average of $113,909, 11 Refinancings for an average of $91,273, 4 Non-occupant Loans on < 5 Family Dwellings for an average of $80,000

25 Loans originated: 4 Conventional for an average of $115,500, 18 Refinancings for an average of $98,333, 1 Home Improvement Loan for $8,000, 2 Non-occupant Loans on < 5 Family Dwellings for an average of $37,500

16 Loans originated: 4 FHA, FSA/RHS & VA Home Purchase Loans for an average of $79,000, 3 Conventional Home Purchase Loans for an average of $88,333, 8 Refinancings for an average of $82,125, 1 Non-occupant Loan on < 5 Family Dwelling for $92,000

3 Approved applications - not accepted: 2 FHA, FSA/RHS & VA Home Purchase Loans for an average of $70,500, 1 Refinancing for $64,000

5 Loans originated: 1 Conventional for $52,000, 4 Refinancings for an average of $97,750

Refinancing Closed for incompleteness for $141,000

FIRST FRANKLIN FINANCIAL CORP. (CA):

2 Refinancings Originated for an average of $59,000

WELLS FARGO FUNDING, INC (IA):

Conventional Home Purchase Loan originated for $96,000

FIRST HORIZON HOME LOAN CORP (TX):

11 Originated: 4 FHA, FSA/RHS & VA Home Purchase Loans for an average of $109,250, 3 Conventional Home Purchase for an average of $96,667, 4 Refinancings for an average of $104,000

HOMEOWNERS LOAN CORPORATION (AL):

6 Refinancings approved but not accepted for an average of $109,333

Refinancing Denied for $67,000

Refinancing Withdrawn for $90,000

Refinancing closed for incompleteness for $139,000

ACCESS NATIONAL MORTGAGE CORP (VA):

Refinancing approved, not accepted for $102,000

SUMMIT MORTGAGE (VA):

Refinancing withdrawn for $67,000

WACHOVIA MORTAGE (NC):

4 Originated: 2 Refinancings for an average of $74,000, 2 Non-occupant Loans on < 5 Family Dwellings for an average of $74,000

Refinancing denied for $73,000

SOUTHTRUST MORT DBA EQUIBANC (GA):

Refinancing originated for $251,000

WELLS FARGO HOME MORTGAGE (IA):

38 Originated: 1 FHA, FSA/RHS & VA Loan for $147,000, 7 Conventional Home Purchase for an average of $98,714, 28 Refinancings for an average of $84,500, 2 Non-occupant Loans on < 5 Family Dwellings for an average of $82,500

10 Loans originated: 5 FHA, FSA/RHS & VA Loans for an average of $75,800, 2 Conventional for an average of $56,000, 2 Refinancings for an average of $74,000, 1 Non-occupant Loan on < 5 Family Dwelling for $34,000

1ST MARINER BANK (MD):

4 Loans originated: 2 FHA, FSA/RHS & VA Loans for an average of $81,000, 2 Refinancings for an average of $64,500

6 Originated: 5 Refinancings for an average of $121,400, 1 Non-occupant Loan on < 5 Family Dwelling for $110,000

PEOPLE'S MORTGAGE CORPORATION (MA):

8 Loans originated: 2 FHA, FSA/RHS & VA Home Purchase Loans for an average of $81,500, 1 Conventional Home Purchase for $68,000, 4 Refinancings for an average of $72,750, 1 Non-occupant Loan on < 5 Family Dwelling for $68,000

GREENPOINT MORTGAGE FUNDING (NC):

Refinancing Originated for $79,000

SUSQUEHANNA MTG CORP (MD):

4 Originated: 2 FHA, FSA/RHS & VA Loans for an average of $77,000, 2 Refinancings for an average of $91,500

3 Loans originated: 1 Conventional for $60,000, 2 Refinancings for an average of $112,000

PRINCIPAL RESIDENTIAL MORTGAGE (IA):

3 Refinancings Originated for an average of $70,333

Refinancing withdrawn for $100,000

H&R BLOCK MORTGAGE CORPORATION (CA):

Refinancing Originated for $82,000

2 Refinancings closed for incompleteness for an average of $63,000

OPTION ONE MORTGAGE CORP (CA):

Refinancing Originated for $120,000

COASTAL CAPITAL CORP (FL):

Refinancing Originated for $158,000

SECURITY ATLANTIC WHOLESALE (NJ):

Refinancing approved, not accepted for $164,000

REFINANCE.COM (NY):

Refinancing withdrawn for $162,000

SECURITYNATIONAL MORTGAGE (UT):

FHA, FSA/RHS & VA Home Purchase Loan Originated for $160,000

AMERICAS MONEYLINE (VA):

Refinancing originated for $79,000

PROSPERITY MORTGAGE COMPANY (IA):

4 Originated: 2 FHA, FSA/RHS & VA Loans for an average of $103,500, 2 Conventional Home Purchase for an average of $83,500

AMERICAN HOME MORTGAGE CORP. (NY):

8 Loans originated: 2 FHA, FSA/RHS & VA Home Purchase Loans for an average of $118,000, 2 Conventional Home Purchase for an average of $82,500, 3 Refinancings for an average of $114,667, 1 Non-occupant Loan on < 5 Family Dwelling for $75,000